Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,347

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Colleen Court

Best decision I ever made

When Mr. Utley - my Golden was a puppy I debated whether or not to get insurance. After doing a great deal of research, comparing the different companies that offered insurance, I decided to go with Embrace - based on all of the favorable reviews I had read about them. Over the last five years, I've been lucky enough to never have really needed the insurance - only had a couple of sore pad issues. I used to kid that my dog has better health insurance than me and people told me I was crazy to spend the money. But I knew that there was no price tag you can put on piece of mind - knowing that, if God forbid something bad happened to my guy, I would never have to decide on the future of my dog's health based on a cost analysis. Mr. Utley was just diagnosed with cancer and as difficult as it was to hear the diagnosis, the one thing I didn't have to think about was how could I afford to help him. When sitting with the oncologist discussing his treatment options, it was reassuring to know that I could afford to give him the best care available because I have GREAT insurance. We have just started his treatments and Embrace has made dealing with this illness as bearable as possible. I don't have to worry about the financial aspect and can just focus on making my guy better. Every time I meet someone who just bought a puppy I urge them to get Embrace Insurance. Like I said in my title, it was the best decision I ever made.
5

out of 5

POSTED: | BY: Deborah Corcoran

EMBRAC Pet insurance is "THE BEST" in the market.

I have a 5yr old Samoyed - Dakota! He holds my heart in the his paws, and that is why I chose Embrace, I'm lucky to have been a Mom to 5 furry Samoyed's over the years, and have used and experienced several pet insurances, hands down Embrace is clearly the best. I recently had a wellness claim for preventative care - Heart Guard, Preventic flea and tick collar, etc. My claim was 100% paid in less than 5 day direct deposit, easy peasy! The customer service is untouchable by any other pet insurance provider, trust me I have been using pet insurance since it first appeared in the marketplace. I love Dakota and want only the best healthcare and pet insurance for him, that is why I chose Embrace Pet Insurance. Luv them! :)
5

out of 5

POSTED: | BY: Rachel

Great experience

My almost 2.5 year old Newfie recently had quite a few visits to the vet; first for an ear infection, then a mysterious limp. Ultimately, the bills added up. It was really comforting to know that I would be reimbursed for a good chunk of the costs (post deductible), and Embrace didn't fail me. Without even speaking to a live person, I felt the communication was excellent. I received multiple emails and detailed explanation of benefits documents. I knew that owning a big dog was going to be expensive, and I'm very happy that I have good insurance with great service.
5

out of 5

POSTED: | BY: Denise Mooney

GREAT INVESTMENT!

We have two giant Doodles and enrolled with Embrace when they were pups. They are two now and we are so glad we chose Embrace! It could not be simpler! Our claims are sent automatically from our vet and we usually recieve an email from Embrace within 24 hrs! When they review the claim, they use direct deposit to send our funds. It is all very quick and we have NEVER had to call and fight for a claim! No fine print, no tricks! Unbelievable!:) I was skeptical, at first, because of my experience with "human" health insurance but we are so impressed. If only our medical insurance was this great! We have definitely gotten our moneys worth. AND, we have peace of mind that in the unfortunate event of an illness or injury, we will be covered. This is truly one of the best run businesses that I have dealt with. Thank you EMBRACE!:):)
5

out of 5

POSTED: | BY: Valerie B

Grateful for help with medical bills

Having Embrace for my 15 month old mixed yorkie rescue has been a lifesaver since I wasn't sure how I would come up with the money for her medical bills. Once I pay the vet and the bill is faxed to Embrace, the checks are processed from Embrace within a two week period and I use that money for the next medical test/office treatment she needs. We are getting closer to understanding my dogs medical issues, and I am very happy I took out this policy. I never had insurance for any of my pets in the past. We have a policy for medical issues not wellness plan.

Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.

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